3911.16
Discrimination against persons of African descent prohibited.

No life insurance company organized or doing business within
this state shall:

(A)
Make any
distinction or discrimination on the basis of race as to premiums or rates
charged for life insurance policies ;

(B)
Demand or require greater premiums from persons
who are of different races and who are of the same age, sex, general condition
of health, and hope of longevity;

(C)
Make or require any rebate, diminution, or
discount on the basis of race upon the sum to be paid on a life insurance
policy in case of the death of the person insured;

(D)
Insert in the policy on the basis of race any
condition or stipulation by which a person binds self, or the person's heirs,
executors, administrators, or assigns, to accept any sum less than the full
value or amount of the policy in case of a claim accruing thereon by reason of
the death of the person insured .

Any stipulation or condition described in division (D) of this
section so made or inserted is void.

If a life insurance company denies an applicant life insurance
and the applicant believes that the denial was on the basis of race, the
insurance company shall provide, upon the request of the applicant, the
specific reason or reasons for the denial, as provided in section
3904.10 of the Revised Code, as
well as an affirmation that the denial was not on the basis of race.